Credit Reporting Act 2013
Period for which information may be held on Register | ||
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8. (1) Personal information and credit information which identifies a credit information subject and is held on the Register as the result of a credit application may be held on the Register for 6 months beginning with the day on which it is entered on the Register. | ||
(2) Personal information and credit information which identifies a credit information subject and is held on the Register as the result of a credit agreement may be held on the Register— | ||
(a) in the case of credit information to which section 7 (2)(b) applies, until the end of the period of 5 years beginning with the day on which the proposal is withdrawn or the arrangement is terminated, | ||
(b) in the case of credit information to which section 5 (2)(d) or 7 (2)(c) applies, until the end of the period of 5 years beginning with the day on which it is entered on the Register, | ||
(c) in the case of any other credit information, until the end of the period of 5 years beginning with the first day on which all liabilities under the credit agreement to which it relates have been discharged, and | ||
(d) in the case of personal information, for as long as any credit information relating to the credit information subject may be held on the Register. | ||
(3) Anonymised information may be held on the Register indefinitely. |